SCHG vs VTV: Head-to-Head Comparison
SCHG vs VTV: Schwab U.S. Large-Cap Growth ETF has an expense ratio of 0.04% while Vanguard Value ETF charges 0.04%. SCHG holds 250 securities vs VTV's 340. 5-year returns: 19.50% vs 10.00%.
Last updated: April 2026
Growth vs Value
Quick Verdict
VTV edges out SCHG with a stronger Beginner Suitability Score (9 vs 8.5). It offers better overall characteristics for new investors.
Side-by-Side Comparison
| Metric | SCHG | VTV |
|---|---|---|
| Expense Ratio | 0.04% | 0.04% |
| AUM | $30.0B | $130.0B |
| Dividend Yield | 0.50% | 2.50% |
| Holdings | 250 | 340 |
| 1-Year Return | 33.50% | 12.00% |
| 5-Year Return (Ann.) | 19.50% | 10.00% |
| 10-Year Return (Ann.) | 17.00% | 10.00% |
| Beta | 1.15 | 0.88 |
| P/E Ratio | 35.2 | 16.8 |
SCHG 5-year annualized return is 19.50% compared to VTV's 10.00%. Over 10 years, SCHG returned 17.00% vs VTV's 10.00%.
View data table
| Period | SCHG Return | VTV Return |
|---|---|---|
| YTD | 3.80% | 3.00% |
| 1 Year | 33.50% | 12.00% |
| 3 Year | 13.50% | 9.00% |
| 5 Year | 19.50% | 10.00% |
| 10 Year | 17.00% | 10.00% |
Key Differences Between SCHG and VTV
SCHG (Schwab U.S. Large-Cap Growth ETF) is a u.s. large-cap growth fund managed by Schwab. SCHG focuses on large-cap U.S. growth stocks, companies that are expected to increase their earnings faster than the overall market. It holds about 250 stocks and is heavily tilted toward technology and consumer discretionary sectors. For beginners who believe in the long-term potential of innovative, fast-growing companies, SCHG provides that exposure at an extremely low cost.
VTV (Vanguard Value ETF) is a us large-cap value fund managed by Vanguard. VTV tracks the CRSP US Large Cap Value Index, offering broad exposure to large U.S. companies that are considered undervalued relative to their fundamentals. It is a core holding for investors who believe value stocks will outperform over the long run. The fund spans established companies across financials, healthcare, and industrials at a rock-bottom cost.
The most notable differences are in fees (0.04% vs 0.04%), number of holdings (250 vs 340), and 5-year returns (19.50% vs 10.00%).
SCHG vs VTV multi-factor comparison: SCHG has a 0.04% expense ratio, 19.50% 5-year return, 250 holdings, 1.15 beta, and 0.50% yield. VTV has 0.04% expense ratio, 10.00% 5-year return, 340 holdings, 0.88 beta, and 2.50% yield.
View data table
| Metric | SCHG | VTV |
|---|---|---|
| Expense Ratio | 0.04% | 0.04% |
| 5-Year Return | 19.50% | 10.00% |
| Holdings | 250 | 340 |
| Beta | 1.15 | 0.88 |
| Dividend Yield | 0.50% | 2.50% |
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Holdings Overlap Analysis
5%
Holdings Overlap
SCHG and VTV share only 5% of their top holdings. These funds are quite different, making them complementary choices if you want broader market coverage.
SCHG and VTV share 5% of their top holdings (low overlap). SCHG has 250 total holdings and VTV has 340. Common holdings include AVGO.
View data table
| Metric | SCHG | VTV |
|---|---|---|
| Overlap | 5% | 5% |
| Unique Holdings | 95% | 95% |
| Total Holdings | 250 | 340 |
Cost Comparison Over Time
If you invest $10,000 and hold for 20 years (assuming 8% annual returns):
SCHG
Fee cost: $344
VTV
Fee cost: $344
Over 20 years, the fee difference amounts to $0 on a $10,000 investment. The cost difference is negligible — choose based on other factors.
On a $10,000 investment over 20 years at 8% return, SCHG (0.04% fee) grows to $46,266 while VTV (0.04% fee) grows to $46,266. The fee difference costs $0.
View data table
| Year | SCHG Value | VTV Value |
|---|---|---|
| 0 | $10,000 | $10,000 |
| 5 | $14,666 | $14,666 |
| 10 | $21,509 | $21,509 |
| 15 | $31,546 | $31,546 |
| 20 | $46,266 | $46,266 |
Which One Should a Beginner Choose?
Choose SCHG if: You want growth-oriented investors with a long time horizon and higher risk tolerance, schwab customers who want low-cost access to large-cap growth stocks, younger investors willing to ride out volatility for potentially higher returns. It's managed by Schwab with an expense ratio of 0.04%.
Choose VTV if: You want long-term investors who favor a value investing philosophy, retirees seeking stable large-cap companies with reliable dividends, investors looking to balance a growth-heavy portfolio. It's managed by Vanguard with an expense ratio of 0.04%.
Can You Own Both SCHG and VTV?
Absolutely! With only 5% overlap, SCHG and VTV complement each other well. A simple portfolio might allocate 60% to one and 40% to the other, or you could pair them with a bond ETF like BND for a complete three-fund portfolio.
Frequently Asked Questions
Should I buy SCHG or VTV?▾
VTV edges out SCHG with a stronger Beginner Suitability Score (9 vs 8.5). It offers better overall characteristics for new investors. However, both are solid options. SCHG is best for investors who want growth-oriented investors with a long time horizon and higher risk tolerance, while VTV is better suited for long-term investors who favor a value investing philosophy.
What is the difference between SCHG and VTV?▾
SCHG (Schwab U.S. Large-Cap Growth ETF) tracks u.s. large-cap growth investments with 250 holdings and a 0.04% expense ratio. VTV (Vanguard Value ETF) focuses on us large-cap value with 340 holdings at 0.04%. Their top holdings overlap by 5%.
Can I own both SCHG and VTV?▾
Yes! With only 5% holdings overlap, SCHG and VTV complement each other well. Owning both gives you broader diversification.